Rev [7/11]

WHAT DOES CENTIER BANK DO FACTS WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information . Federal law gives Why? consumers the right to limit some but not all sharing. Federal law also requires us to tell you how

we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income • Account balances and payment history • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers' personal information to run their everyday How? business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Centier Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Centier Bank share? Can you limit this sharing?

For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes-to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes-information about your transactions and experiences

No We don't share

For our affiliates' everyday business purposes-information about your creditworthiness

No We don't share

For our affiliates to market to you No We don't share

For nonaffiliates to market to you No We don't share

Call your local branch or the Client Service Center at 219-756-Questions? 2265 or 888-236-8437.

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What we do

How does Centier Bank protect my personal information?

How does Centier Bank collect my personal information?

Why can't I limit all sharing?

We take seriously our obligation to safeguard your Confidential information . Your information is accessible only to employees who need the information to provide products or services to you. All of our employees understand their responsibility to maintain the privacy and confidentiality of your information . We maintain physical, electronic, and procedural safeguards to ensure the confident iality of your information. We monitor new technology and upgrade our systems as needed to best protect your information .

We collect your personal information, for example, when you

• open an account or deposit money • pay your bills or apply for a loan • useyourdebltcard

Federal law gives you the right to limit only

• sharing for affiliates ' everyday business purposes-information about your creditworthiness

• affiliates from using your information to market to you • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing .

Definitions

Affiliates

Nonaffiliates

Joint marketing

Other im ortant information

Companies related by common ownership or control. They can be financial and nonfinancial companies . Centier Bank does not share with its affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Centier Bank does not share with non-affiliates so that they can market you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Centier Bank's joint marketing partner includes a credit card company.

From time to time , policies and procedures may change due to changes in the law or in our operations, at which time we will notify you of these changes , as required by law.